| Saving money: Tricks for stashing more cash and Treasury bills edge up slightly in weekly auction |
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I'm in desperate need of financial advice. My husband and I have two kids and earn more than $75,000 a year. It seems like we should have enough money, but we live paycheck to paycheck and sometimes overdraw our checking account. I've thought about going to a financial adviser for help. But since we don't have a big portfolio, I'm not even sure an adviser would talk to us. Are there any tricks to saving? How do I start a budget and stay on it? -- S.T., Carmel, IndianaIt would be nice if I could give you some magical incantation or secret budgeting tip to quickly and painlessly transform you into a diligent saver. But, let's be real. We all know saving money boils down to one thing: Living on less than what you earn.For most of us, this is easier said than done. In fact, saving is an unnatural activity for humans. We're hardwired for immediate gratification. We see a shiny new car, we want a shiny new car. [Read the full article] TORONTO/SEOUL (Reuters) - Research In Motion is not on Samsung Electronics Co's immediate shopping list, but the ailing Blackberry maker may still be attractive to Asian smartphone makers looking to compete against Google's Android, the world's fastest growing mobile platform.Samsung said on Wednesday it has no interest in buying RIM or licensing its operating system, refuting a tech blog report that Canada-based RIM was looking to sell itself to the South Korean technology giant.Shares of RIM, which has long been the subject of takeover speculation with its stock valuation lingering at multi-year lows, jumped more than 10 percent on the blog report, but fell back after Samsung's denial.Product delays and profit warnings have eroded confidence in RIM, once at the cutting edge of smartphone technology for business users, and its management. [Read the full article] Are you facing monstrous credit card balances? Unfortunately, there is no quick-fix solution to get out of debt, despite what solicitors or infomercials might have you believe.There are some tried-and-true methods for paying down debt. However, it's staying committed to your financial goals, not necessarily how you go about it that really matters, says Gail Cunningham, spokeswoman for the National Foundation for Credit Counseling, a nonprofit organization.No. 1: The "snowball" method. "When it comes to paying off debt, we need to be more concerned with behavior modification than math," says Dave Ramsey, author of "Total Money Makeover" and host of a nationally syndicated radio show, "The Dave Ramsey Show." His solution is the "debt snowball" method, which involves paying off debts from smallest to largest, regardless of interest rate. [Read the full article] 
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